Over the past 25 years I've had two near misses. One was while at anchor and the other was in the marina. The marina miss took out more electronics, but the one item affected both times was the atomatic antenna tunner for the SSB. I've been in open water during thunderstorms and had no problems or had any near misses. One time comeing back into port at night with thunderstorms and wind happening, I even wanted to see lightening in order to see any anchored boats that might be in my path.